Eight calculators that work the way the underwriter works — full principal, interest, taxes, insurance, mortgage insurance when applicable. The numbers you see here are the numbers we’ll defend on your Loan Estimate.
| Year | Principal | Interest | Total Paid | Balance |
|---|
Where you are today
Adjust loan amount, rate, and term
Closing costs are covered after — months.
After month —, every payment goes straight to savings.
Used for the “Total Monthly” calculation in each year card.
Current VA loan details
Proposed refinance details
These fees count toward recoupment calculation
For reference only — these don’t affect the calculation
Credits reduce the net FECC amount (recoupment numerator)
2026 FHFA conforming loan limits. Enter your zip and currently-charged entitlement (from your Certificate of Eligibility).
Acceptable, but tight. Income barely covers expenses. Consider increasing rent or reducing costs.
These calculators give you a clean, honest first look — the same arithmetic a competent loan officer would do on a napkin. Your actual rate, taxes, insurance, mortgage-insurance treatment, and program-specific factors will sharpen those numbers in either direction. We’re happy to run the precise math with you on a fifteen-minute call.
The calculators give you a starting point. A 15-minute call gives you the exact rate, the exact closing cost, and the exact plan.
